The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$50,068
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,625
−HK$1,582/mo
Today · 4.125%
HK$53,207
baseline
▲ 0.50% · 4.625%
HK$56,445
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,414/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,700
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,194
−HK$1,515/mo
Today · 4.125%
HK$58,709
baseline
▲ 0.50% · 4.625%
HK$61,804
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,418/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,081
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,950
−HK$1,899/mo
Today · 4.125%
HK$63,849
baseline
▲ 0.50% · 4.625%
HK$67,734
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,698/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,840
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,632
−HK$1,819/mo
Today · 4.125%
HK$70,451
baseline
▲ 0.50% · 4.625%
HK$74,165
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,902/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,095
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,275
−HK$2,215/mo
Today · 4.125%
HK$74,490
baseline
▲ 0.50% · 4.625%
HK$79,023
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,980/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,980
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,071
−HK$2,122/mo
Today · 4.125%
HK$82,193
baseline
▲ 0.50% · 4.625%
HK$86,525
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,386/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,122
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,925
−HK$2,848/mo
Today · 4.125%
HK$95,773
baseline
▲ 0.50% · 4.625%
HK$101,601
+HK$5,828/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,546/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,260
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,949
−HK$2,727/mo
Today · 4.125%
HK$105,676
baseline
▲ 0.50% · 4.625%
HK$111,247
+HK$5,571/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,352/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,176 · Scale 2, in force from 26 Feb 2026)